Central Bank of India

- No immediate need for equity dilution in FY '26 or FY '27 as current capital is sufficient for growth. - The Bank is confident to meet credit growth targets without raising Tier 1 capital. - Borrowings have increased, primarily by borrowing against liquid securities at around 5.15-5.20% to fund credit growth. - There is no specific mention of planned future fundraising through new debt or equity beyond current measures. - The management indicated reliance on internal capital and resource mobilization initiatives like CASA campaigns to support growth.

- Central Bank of India is focused on enhancing technology adoption as a key priority, including integrating technological solutions like the GoNoGo app for credit underwriting, and launching digital products like the Cent eeZ app to improve customer experience. - Significant investment in CASA mobilization campaigns such as "Aagaz" to boost low-cost deposits. - Strategic initiatives include training and grooming brand ambassadors and MSME entrepreneurs to strengthen outreach and lending quality. - The Bank has invested in the joint venture Central Bank Future Generali Insurance, which, though currently in its first year, holds promise for future returns. - No immediate plans for raising capital through equity dilution are mentioned; capital adequacy is sufficient for targeted growth. - Focus on managing cost-to-income ratio and profitability at sustainable levels with technology and operational improvements. - No explicit announcement regarding large-scale future CAPEX or strategic acquisitions in the near term.

- Central Bank of India targets total credit advances of INR 3,40,000 crore, expecting to achieve this without needing additional Tier 1 capital. - Credit growth is strong with 19.48% YoY increase in gross advances, driven by broad-based demand across sectors. - RAM (Retail, Agriculture, MSME) segment is a focus, with initiatives like outreach programs and specialized products aimed at boosting growth, particularly in MSME. - CASA growth is prioritized, expected to continue via campaigns like "Aagaz," aiming for INR 20,000 crore addition through CASA. - Corporate loan book expected to grow broadly, with INR 1,17,000+ crore sanctioned recently. - Overall business grew 15.77% YoY; deposit growth target of 13%–16% expected to be met. - Continued focus on technology adoption and customer service to support volume and revenue growth. - Management confident of maintaining or improving profitability with ROE above 1%.

- The bank expects to maintain Return on Equity (ROE) at or above 1%, indicating steady profitability. - Profitability is projected to improve in coming quarters and years with marked improvement anticipated. - Total net profit for the full year is expected to be over INR 4,000 crore. - Operating profits have shown strong growth (35.31% Y-o-Y increase in consolidated profits reported). - Cost reduction and efficiency improvement initiatives are ongoing to boost operating earnings. - The provisioning strategy is prudent with coverage ratio at 96.89%, preparing for Expected Credit Loss (ECL). - Technological adaptation, product innovation especially in CASA and RAM segments, and focused MSME growth are expected to support earnings growth. - No immediate equity dilution planned as current capital adequacy (16%) is sufficient for targeted credit growth of INR 3,40,000 crore. - Treasury and insurance businesses (Central Bank Generali) expected to contribute positively over time.

- The corporate credit book target for the year is INR 1,13,000 crore, with sanctions amounting to INR 1,17,000 crore approved by various committees, indicating the order pipeline is well-covered and broad-based. - The overall credit target for the Bank is INR 3,40,000 crore. - The Bank has a substantial undisbursed sanctioned amount, supporting confidence in achieving the credit growth target. - Advances grew by 19.48% year-on-year, highlighting strong disbursement momentum. - Specific focus on sectors such as MSME and agriculture with targeted efforts in 225 MSME-intensive branches and cluster-based lending. - Management expresses confidence in meeting the loan growth targets based on the current strong sanction and disbursement pipeline.